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The definition may vary slightly from federal government definitions used to determine taxliabilities. A collection of unbranded jewelry that has no celebrity provenance may sell at a local or regional auction house. The insured ends up with a comparable, used property and not a new property.
You've got some antiques you inherited from your aunt, a small but growing collection of vintage Star Wars toys, and that mysterious oil portrait of two little kids that you picked up at a second-hand store a few years back. Estate taxliability. You don't really know that much about what these things are really worth.
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